TopConsumerReviews.com is a world-leading consumer product review site. We provide detailed reviews and ratings for thousands of products and services.

 

Insure My Trip vs Allianz

We recommend

 

Disclosure: We are not compensated by companies for their reviews, but we may be compensated for links and advertisements on our website. Click here for details.

 

INSURE MY TRIP

Insure My Trip has come a long way, with a sleek new format to their website that brings them much closer to the top when compared with other companies.

The first question you'll have to answer is your destination, which was unique. From there, you'll be asked the usual questions about your travel dates, ages and state of residence of any travelers, and so forth - pretty standard so far.

Then, we really were blown away by Insure My Trip's results page. Right at the top, we were shown three recommended plans selected by their SMART algorithm: one matching the top coverage, one that was middle-of-the-road, and a third that was best for the budget (almost like the story of the Three Bears). There were a total of 14 different insurance companies represented in our quote; in general, Insure My Trip offers policies through 20 providers.

And, above the results, there was a place to select any must-haves for our policy: Cancel for Work Reasons, Cancel for Any Reason, Pre-Existing Condition Waiver, and so on. That made it very easy to make sure we got the policy we needed.

Finally, within the results list, each policy had a rating from 1 to 5 stars, along with numerous customer reviews (one policy, the Generali Global Assistance Standard plan, had over 7,000 reviews!). Every policy had an "Add to compare" button, so that we could easily keep track of our preferred options.

Insure My Trip gives you a review period; if you buy your policy and then find something you don't like in the fine print, you can cancel and get your money back. The terms and length of that period vary according to the provider, policy, and by your state of residence, so do check the fine print.

We also got a helpful live chat pop-up when we got to our quote results page; we could ask a licensed agent any questions we had about the policies. This level of customer support is also shown in Insure My Trip's "Anytime Advocates": if you make a claim that's denied by the insurance company, you'll be assigned a representative that will work on your behalf to understand the denial and even help with your appeal process. According to the Insure My Trip site, this advocacy program saved travelers over one million dollars since its inception in 2009!

Everything about our experience using the Insure My Trip site for our travel insurance left us feeling informed and impressed. We're confident you'll be able to quickly find the policy that best meets your needs, and that you'll have plenty of support should you need to file a claim.

Visit Site >

ALLIANZ

Did you know that you could have your trip insured by the same company that covered the Wright Brothers' first flight and the construction of the Golden Gate Bridge? It's possible! Allianz has been protecting adventurers, endeavors, and everyday travelers for more than 100 years.

Allianz offers a total of nine different insurance policies, five covering single trips and four annual plans for multiple trips within a 365-day period (as opposed to a calendar year). These plans range from coverage for domestic trips with only cancellation and trip interruption benefits, through the maximum coverage for international trips with substantial emergency benefits. Both the Prime and Premier plans include free coverage for children 17 and under when traveling with a parent or grandparent.

The process for getting a quote is easy: enter your travel information, including traveler ages, dates of your trip, and total cost, and you'll be taken to a page with the plans that match your needs. When we entered our trip details, we were only offered two of the five single-trip plans, Premier and Prime; the Cancellation Plus plan didn't apply to our international trip, and we weren't given the option to choose the Basic or the Emergency Medical plans.

The prices we were quoted were comparable to similar plans with other providers, though Allianz was slightly higher. We also didn't find any options for including "Cancel for Any Reason" or "Cancel for Work Reasons", which can be important for some travelers. When you get your matching policy page, you can click on the "Covered Reasons" button towards the bottom - you can then check to see if each policy has the coverage you want.

Allianz customers have great things to say about their travel insurance, especially in the case of a claim. Hundreds of reviews praise Allianz for courteous, knowledgeable customer service representatives who helped customers to get claims filed and paid very quickly.

We also like the Coverage Alerts feature on the bottom of the site, helping travelers understand which current events have already been established and thus are not included in coverage purchased after that date (such as named hurricanes or winter storms, travel alerts, and international incidents). You may also enjoy the featured articles on the main Allianz page, from comparing Travel vs. Travel Health insurance to practical jokes for making unpacking a little more humorous.

Allianz has a great reputation in the travel insurance industry, and their website is easy to use. But, with only 9 total plans to choose from, and limited options for add-ons like Cancel for Work Reasons, they don't quite keep up with some of the more comprehensive sites we checked out.

Visit Site >


Best Travel Insurance

To help you find the Best Travel Insurance, TopConsumerReviews.com provides you with an in-depth comparison of Insure My Trip and Allianz.

Who has the best travel insurance? The last time you took a trip, did you have travel insurance? If you were impacted by a natural disaster, suffered the hassle of lost baggage, or had a medical emergency, chances are good that you were wishing you had purchased a policy!

When it comes to tavel insurance, some people make the mistake of thinking that their credit card company offers protection, only to find out that their travel problems aren't covered. Other people forego travel insurance, assuming that their traditional health insurance policy will be enough to cover medical expenses - only to discover that it can't be used in another country.

Like most types of insurance, travel insurance is bought in the hopes that you'll never need it. But, for most travelers, it's worth the added expense for the protection it provides.

Just like more traditional forms of insurance, such as medical and auto, travel insurance varies in terms of coverage, options, and costs. Depending on what you select, your policy may cover just the bare basics, like trip cancellation/interruption and baggage/personal items coverage. Or, you may opt for a very comprehensive plan that allows you to cancel your trip for any reason - not the standard list of covered cancellation reasons - and includes coverage for accidental death, emergency evacuation from a foreign country, and so forth.

There are many different companies that specialize in travel insurance. How do you know which one to choose? As you consider your options, here are several aspects to keep in mind:

  • Reputation. Does the travel insurance company have an established track record for customer satisfaction, not just during the process of buying a policy, but more importantly when claims are made? Has the business received any accreditations from A.M. Best or the BBB?
  • Selection. Can you find a wide variety of policies through this business? Do you have the ability to add on optional features, like Cancel for Work Reasons or Pre-existing Conditions coverage?
  • Cost. Does the site offer policies within your budget range? Travel insurance premiums are strictly regulated, but not every site offers policies on both ends of the price spectrum and everywhere in between.

TopConsumerReviews.com has reviewed and ranked the best Travel Insurance companies currently available. We're confident that this information will help you select the right travel insurance policy to cover yourself - and your travel companions - in the event of any unforeseen complications with your trip!



When Should You Buy Travel Insurance?

If you're making plans for your vacation or your family's vacation, you need to determine whether you want to purchase travel insurance. Travel insurance may be another expense, but it can be well worth it so that you're covered in case of an emergency or problem.

Not many years ago, few people purchased travel insurance. However, that's changing fast. In fact, according to the U.S. Travel Insurance Association, in the last 10 years the percentage of American travelers purchasing travel insurance increased from 10 to 30 percent. Travelers purchase insurance for a few reasons including protection against unexpected events, loss of the financial investment in the trip, and peace of mind.

Like many things, travel insurance can cover a wide variety of problems and will reimburse your costs for many situations. But you should know what type of insurance you need for your specific situation.

Here are a couple of tips on when you should buy travel insurance.

  • You should consider buying travel insurance anytime the cost of the trip is more than the cost of the insurance. For example, if you're purchasing a $75 nonrefundable airline ticket, you probably don't want to invest in travel insurance that protects you from trip cancellation or interruption. However, if you've purchased a cruise vacation or all-inclusive resort stay for $3,000 - $10,000, you may want to protect that investment by purchasing travel insurance just in case you have to cancel due to illness, family emergencies, or other reasons. Travel insurance packages can also protect you in case the cruise line or resort experiences financial problems, such as going out of business between the time you pay for the trip and the time you get there. Be certain not to purchase this insurance from the cruise line or resort, as your coverage will be worthless if they go out of business.
  • You should purchase travel insurance whenever you travel outside the U.S. Whether you're traveling by cruise ship or by airplane, your health insurance may or may not cover any medical expenses you incur outside of the United States. This includes travelling on "foreign-flagged" cruise ships. If you're travelling in U.S. waters on a foreign-flagged cruise ship, your medical insurance may not cover you if you become sick or injured. Travel insurance companies that offer medical coverage can also help facilitate any medical payments needed while in a foreign country, act as your advocate, and help cover costs associated with transporting you back home for medical reasons.

There are a variety of reasons to purchase travel insurance and a variety of options to cover you and your vacation. Be sure to look for a travel insurance policy from a dependable company so that your vacation investment is protected, and you can relax and enjoy your trip!

 



Travel Insurance In The News

Cancer and your finances: How to get affordable travel insurance with a pre-existing illness

Mention the 'C' word and insurers either see pound signs or they slam the proverbial door in your face. That's how it feels for thousands of people with a complicated medical history or long-term heal...

Published:  Fri, 20 Jul 2018 00:12:00 GMT



When Disaster Strikes: Ripcord Rescue Travel Insurance

When a carefully planned trip starts tumbling out of control, your best bet is to pull the Ripcord. Available now, Ripcord Rescue Travel Insurance covers everything from lost passports to life-threate...

Published:  Wed, 18 Jul 2018 09:11:00 GMT



Consumer Watchdog: Tread carefully with travel insurance

Summer is more than halfway over and maybe you're still thinking about booking that getaway before the autumn leaves start falling. It's certainly not too late to find good deals on airfare, but it's ...

Published:  Thu, 19 Jul 2018 07:30:00 GMT



InsureMyTrip Ranks No. 1 For Travel Insurance Reviews

Travel insurance site hosts the largest database of consumer-generated travel insurance reviews in the marketplace WARWICK, R.I., July 19, 2018 /PRNewswire/ -- InsureMyTrip's rapidly expanding travel ...

Published:  Thu, 19 Jul 2018 07:34:00 GMT



Travel Insurance Market: Global Key Players, Trends, Share, Industry Size, Growth, Opportunities, Forecast To 2023

WiseGuyReports.com adds 'Travel Insurance Market 2018 Global Analysis, Growth, Trends and Opportunities Research Report Forecasting to 2023 reports to its database. This report provides in depth study ...

Published:  Thu, 19 Jul 2018 22:21:00 GMT



What travel insurance REALLY means. *Warning*: graphic content

I don't blog. In fact the thought of sharing anything about *me* makes me shudder with thoughts of narcissistic loathing. However, there comes a time in every man's life when something fucks him off s...

Published:  Tue, 17 Jul 2018 08:32:00 GMT



Travel Troubleshooter | Her travel-insurance claim was denied. Is there any hope for a refund

Q: My husband and I booked a flight on Air Canada from Chicago to Copenhagen with a return from Rome to Chicago, through CheapOair. We bought insurance, also through CheapOair, with Trip Mate. We had ...

Published:  Mon, 09 Jul 2018 07:00:00 GMT



Global Travel Insurance 2018 Industry Trends, Sales, Supply, Demand, Analysis & Forecast to

4 Global Travel Insurance Market Size by Type and Application (2013-2018) 4.1 Global Travel Insurance Market Size by Type (2013-2018) 4.2 Global Travel Insurance Market Size by Application (2013-2018)

Published:  Thu, 19 Jul 2018 08:58:00 GMT



Rising Opportunities in Travel Insurance Market with +8% CAGR, leading factors, competitive landscape, during forecast period 2018-2023

Travel insurance has increased due to natural disasters such as the Ebola epidemic, Nepal earthquakes and Paris attacks, and a series of unusual events. Factors such as growth in the tourism industry, ...

Published:  Fri, 20 Jul 2018 05:20:00 GMT




We recommend

 

- View Full Site -